Organization Name – Clearpool Finance
Category –
Banking & DeFi
Clearpool Finance is a decentralized credit marketplace launched in March 2022 on Ethereum to connect institutional borrowers with DeFi liquidity providers via unsecured lending pools. Co-founded by f…inance veterans—Robert Alcorn, Jakob Kronbichler and Alessio Quaglini—the protocol enables whitelisted institutions like Jane Street and Wintermute to borrow stablecoins without over-collateralization by launching single-borrower liquidity pools with terms they control. Liquidity providers deposit funds into these pools and receive cpTokens, earning dynamic, risk-adjusted interest and supplementary yield in CPOOL, Clearpool’s governance and staking token. Borrowers must stake CPOOL and pass rigorous KYC/credit checks via partners like Credora and X-Margin before launching pools in either the permissionless protocol or the more compliant institutional tier called Clearpool Prime. Prime launched in April 2023 on Optimism and later expanded to Arbitrum, offering KYC-compliant borrowing for institutions while generating protocol revenue that is split between buybacks of CPOOL tokens (partly burned, partly distributed to stakers) and treasury reserves. By mid‑2025, Clearpool had originated over $640 million in loans across Ethereum, Polygon PoS, Polygon zkEVM, Optimism, Arbitrum, Base, Mantle and Flare networks, and had recently surpassed $800 million in total originations—underlining its traction in tokenized credit markets. The interest rate for lenders adjusts dynamically based on pool utilization and borrower risk; governance token holders participate in protocol voting and staking, influence borrower whitelisting, and earn rewards via incentive programs. The upcoming product launch “Ozean” (slated for 2025) is Clearpool’s Layer‑2 expansion for Real‑World Asset (RWA) credit, designed as a scalable, on-chain native credit infrastructure featuring composable tranches, automated risk oracles and enhanced credit visibility. Clearpool’s tokenomics include a fixed supply of 1 billion CPOOL, with allocations for governance, ecosystem, investors and team; revenue-based buybacks support deflationary pressure. By integrating TradFi credit with DeFi liquidity and offering both permissionless and permissioned institutional pools, Clearpool positions itself at the crossroads of decentralized finance and real-world asset lending infrastructure. It is audited, backed by Sequoia India, Sino Global, Wintermute, Arrington Capital and others, and has become a leading protocol facilitating efficient institutional credit on-chain. Read More